Introduction: This FAQ is designed for anyone who wants to understand how private lending with GAP works in Costa Rica — whether you’re looking to borrow against your property or invest for attractive, real-estate–backed returns.
Through our sister brands, GAP Equity Loans (for borrowers) and GAP Investments (for lenders), we connect titled Costa Rican real estate with private capital. Loans are typically USD, fixed-rate, interest-only, secured by first-lien mortgages at conservative loan-to-value levels (usually up to 50% of a professional appraisal).
Use this FAQ to see how the model works from both sides — so you can decide if a private loan is the right solution for your funding needs, or if first-lien mortgage investing fits your income and diversification goals.
Information below is for general guidance only and may change as Costa Rican laws, markets, and GAP procedures evolve.
It does not replace independent legal, tax, or investment advice.
General Questions About GAP, Private Loans & Mortgages in Costa Rica
What does GAP actually do in Costa Rica?
GAP’s core business is simple: we match borrowers who have good Costa Rican real estate with private lenders who want strong, asset-backed returns. On the borrower side, GAP Equity Loans helps you unlock up to roughly 50% of your property value quickly. On the lender side, GAP Investments structures USD, first-lien mortgages that target double-digit annual yields with conservative security.
Are GAP Equity Loans and GAP Investments the same company?
They are sister brands under the same group. GAP Equity Loans speaks the language of borrowers — fast approvals, practical documentation, and clear explanations. GAP Investments is focused on lenders and investors — risk, yield, LTV, and portfolio fit. Behind the scenes, both are part of the same operation and share the same underwriting and servicing standards.
What types of loans does GAP arrange?
GAP arranges five main categories of private loans: Home Equity Loans (release capital from your existing property), Commercial Loans (business and income-producing assets), Construction Loans (new builds and major renovations), Project Financing (medium and large developments), and Shovel-Ready Funding (fully permitted projects ready to build now).
Are these loans the same as Costa Rican bank loans?
No. Bank loans in Costa Rica are slow, paperwork-heavy, and often difficult for foreigners or self-employed people. GAP’s loans are private, asset-based mortgages: approvals are much faster, the focus is on your property and exit plan, and requirements are simpler — in exchange for higher, market-based private rates.
Are GAP loans and investments legal and registered in Costa Rica?
Yes. Every loan is documented by a Costa Rican notary and registered at the National Registry as a mortgage (hipoteca) or via a guarantee trust. For borrowers, this means a formal, enforceable loan. For lenders, it means your lien is on title in first position, just as a bank’s would be.
In what currency are GAP loans and payments structured?
Loans are usually denominated in U.S. dollars (USD). Borrowers can pay from colón accounts with bank conversion, and lenders receive interest and principal in USD, which keeps things clear and avoids currency mismatch on the investment side.
Who are typical GAP clients on the borrower side?
Borrowers include Costa Rican owners, expats, foreign investors, developers, and business owners who want to move quickly: buying a property without waiting months for a bank, finishing a build, consolidating debt, or unlocking equity from a home, condo, or commercial asset to fund the next step.
Who are typical GAP clients on the lender side?
Lenders are usually high-net-worth individuals, family offices, companies, and trusts that want secured, USD, first-lien returns in the 12–16% annual range. Many are diversifying away from low-yield cash or volatile markets and prefer real collateral and conservative LTV instead of unsecured risk.
What is the main advantage of using GAP instead of arranging a private loan directly?
For borrowers, GAP means a clear process, realistic expectations, and a much higher chance of getting funded. For lenders, it means disciplined underwriting, standardized documents, local legal support, and active servicing. Going “direct” can look cheaper at first, but without structure it can introduce serious legal and execution risk for both sides.
Does GAP offer advice on taxes, accounting, or personal financial planning?
No. Our focus is lending and mortgage investments. We do not give tax, accounting, or financial planning advice. Borrowers and lenders should always run decisions past their own advisors in Costa Rica and in their home country before committing capital.
Borrower FAQ – General Questions & Eligibility
What is a private loan through GAP Equity Loans?
A private loan is an asset-based mortgage funded by private investors and secured against your titled Costa Rican property. Instead of fighting with bank checklists, you leverage the value of your real estate to access capital quickly — usually with a short, practical list of documents.
Who should consider a private loan instead of a bank loan?
A private loan is a strong option if you need money fast, if your income situation doesn’t fit bank boxes, if you are an expat or foreigner without local credit, or if you simply want to release equity without a long, uncertain bank process. If your property is good and your plan makes sense, a private loan can often do what a bank won’t.
Do I need to be a Costa Rican resident to borrow?
No. You don’t need residency. Many clients are foreigners who own a home, condo, land, or commercial property in Costa Rica. As long as the title is clean and the structure is acceptable, you can apply.
Can I borrow if my property is owned by a company?
Yes. A large portion of Costa Rican property is in corporations. In that case you simply provide the corporate documents, the personería jurídica, and resolutions that show who can sign. We work with that structure every day.
Can foreigners who don’t live full-time in Costa Rica apply?
Yes. Many borrowers are overseas most of the year. As long as communication is clear and documents are provided, we can structure the loan and you can sign in person or via power of attorney. Your physical location is less important than the strength of your property and plan.
What basic personal documents are required to start?
Typically we begin with a passport copy, your contact details, a short summary of what you need the funds for, and basic financial background for KYC. From the property side, we request a recent title certification, survey plan, and photos so we can quickly see if the loan is realistic.
Do I need perfect credit in my home country to qualify?
No. We’re not a retail bank tied to foreign credit bureaus. Your property, loan-to-value, and exit strategy matter more than your foreign credit score. We still want to know that your plan is realistic, but minor credit issues abroad do not automatically disqualify you.
Can I still apply if I already have a mortgage on the property?
Yes, as long as the numbers work. Many loans are structured to pay off an existing mortgage at closing and replace it with a new, cleaner facility. The total debt after closing still has to fit within conservative LTV limits, but it is common to refinance and simplify everything in one step.
Is there a minimum experience level for developers or business owners?
No formal minimum, but bigger and more complex projects do require more proof. If you’re building or developing, lenders will want to see that your team, plans, and budget are realistic. For simpler home equity loans, experience is less critical; the property and exit plan are the focus.
Can I apply if my project is only an idea and I have no permits yet?
You can start a conversation, but serious construction and project financing requires more than just an idea. Without permits or a Water Letter, the best you may qualify for is a smaller land or bridge loan while you work on approvals. Fully permitted, shovel-ready projects always have a funding advantage.
Borrower FAQ – Loan Types & Common Uses
What is a home equity loan in Costa Rica?
A home equity loan lets you “cash out” a portion of your property’s value without selling it. You keep ownership, but you unlock up to around 50% of its appraised value as a private mortgage, usually on an interest-only basis. It’s one of the fastest ways to access significant capital if you already own a good asset.
What can I use a home equity loan for?
You can use funds for legally allowed purposes such as buying another property, finishing construction, consolidating expensive debts, expanding a business, or simply creating a liquidity cushion. Many clients use home equity loans as a bridge to a future sale or bank refinance.
What typical amounts are available for home equity loans?
In most cases, home equity loans run from USD $50,000 up to over $1,000,000 per transaction. For larger needs, multiple properties can be pledged together. The limiting factor is always the property value, marketability, and conservative LTV.
What is a commercial loan in the GAP model?
A commercial loan is tailored to business and income properties: hotels, rental buildings, offices, warehouses, retail, or mixed-use assets. These loans let you buy, reposition, or refinance commercial real estate using a private, faster structure than most banks will offer.
What typical amounts are available for commercial loans?
Private commercial loans often range from USD $50,000 up to $10,000,000+, depending on the asset and structure. That can cover anything from a small storefront to a significant hotel or industrial facility.
What is a construction loan?
A construction loan is a short-term facility that funds your build in planned stages. Instead of waiting until you save all the cash, you match disbursements to milestones and pay interest only on what has actually been released, keeping the project moving on schedule.
How large can construction loans be?
Construction loans typically start around USD $50,000 and can reach up to $10,000,000 or more for larger developments. The key is a solid budget, reliable permits, and a clear exit plan that matches the term of the loan.
What is meant by “project financing”?
Project financing is for bigger plays: residential communities, resorts, mixed-use centers, and multi-phase developments. These loans, usually starting around USD $1,000,000, consider the entire story — land, permits, feasibility, and long-term cash flow — so the capital structure matches the project’s real needs.
What does “shovel-ready funding” mean for me as a borrower?
If your project is shovel-ready, you’ve done the hard work already: Uso de Suelo, SETENA (if needed), Water Letter, CFIA plans, municipal permit, and INS insurance. From a lender’s viewpoint, you’ve removed most entitlement risk, so funding decisions can be made quickly and on better terms than a project that is still stuck in paperwork.
Can I combine different uses in one loan (e.g. refinance + construction)?
Yes. Many loans are structured to clean up existing debt, release equity, and fund new construction in one package. As long as the total exposure stays inside conservative LTV and the exit plan is realistic, a combined facility can simplify your entire capital stack.
Borrower FAQ – Rates, Terms, Payments & LTV
What interest rates are typical for private loans through GAP?
Most private loans sit in the 12%–16% annual range. You are paying for speed, flexibility, and access to capital that banks often won’t provide. The exact rate depends on the property, location, leverage, permits, and how straightforward the deal is.
Are interest rates fixed or variable?
Typically they are fixed for the full term. That means your monthly interest is predictable and you know exactly what your cost of capital will be if you hold the loan to maturity.
What is the usual maximum loan-to-value (LTV)?
For most home equity and commercial loans, the limit is about 50% of a conservative appraisal. This protects you and the lender by keeping plenty of equity in the property, which makes refinancing or selling much easier if something changes.
Can some properties receive lower LTV limits?
Yes. Remote land, steep or difficult terrain, off-grid locations, or unusual assets can be more challenging to resell, so LTV will often be set lower. That may sound strict, but it’s what keeps the structure safer if plans slip or the market slows.
How long are typical loan terms?
Most private loans are short- to medium-term: 6 to 36 months is common. Construction and project loans usually run up to about 3 years, aligned with your build and exit timeline. These are not 20-year mortgages; they are designed as bridge capital.
Are private loans interest-only?
In most cases, yes. You pay monthly interest only and repay the principal as a balloon at the end. This keeps monthly payments lower while you complete a build, run a project, or prepare for a sale or bank refinance.
Can I prepay my loan before the end of the term?
Often you can. Many contracts allow early payoff, sometimes with a minimum interest period or prepayment fee so the lender’s return makes sense. Those terms are always disclosed before you sign so you can plan your exit.
How are my monthly interest payments calculated?
Interest is calculated on your outstanding principal balance at the agreed annual rate, divided into monthly periods. For construction loans, that means you’re charged only on the amount that has actually been disbursed, not on the full approved facility.
Can interest be capitalized instead of paid monthly?
Certain project or construction structures may allow a portion of interest to be prepaid or capitalized, but in most standard loans you pay interest monthly. The right structure depends on your cash flow and what lenders are comfortable with.
What happens if I miss a payment?
Late interest and default clauses apply as set out in your contract, and the team will reach out to you quickly. If you anticipate difficulties, communicate early. Most problems are easier to handle when they’re raised before a serious default, not after.
Borrower FAQ – Collateral, Property & Documentation
Does my property need to be fully titled in Costa Rica?
Yes. Loans are only given on properly titled property registered at the National Registry. If the title is incomplete, unclear, or informal, it must be fixed before a serious private loan is possible.
Can I use raw land as collateral?
Yes, raw land can be financed, but the structure is more conservative. LTV will be lower and we will look carefully at zoning, access, water, and topography. If the land is ready for development with permits and a Water Letter, funding is much easier.
Do you lend on concession beachfront property?
Concession properties inside the maritime zone involve extra legal layers and renewal risk. They can sometimes be considered, but they fall outside normal parameters and often require more conservative terms or alternative structures. Standard titled property is always simpler and faster to finance.
Is legal road access required?
Yes. Properties must have legal and practical access on record. If you have a landlocked property or an access dispute, that usually needs to be cleaned up before a private loan is realistic.
Can off-grid property qualify as collateral?
Off-grid or remote properties can qualify, but they are analyzed carefully. Marketability is key — if the buyer pool is limited, LTV will reflect that. Good access, views, and realistic pricing help a lot.
What happens if there are existing liens or annotations on title?
During due diligence, existing liens, annotations, or legal notes are reviewed. Many loans are structured to pay off problematic liens at closing. If something serious cannot be resolved — for example, a dispute that blocks sale or mortgage — the loan will not proceed.
Do you lend on properties in gated communities and condos?
Yes. Titled condos and homes in gated communities are very common collateral. We do check HOA rules and fee status, but in general these properties are straightforward to work with.
Can multiple owners pledge one property for a loan?
Yes, but every registered owner must sign or grant a valid power of attorney. If one owner doesn’t agree, the mortgage cannot be registered, so internal agreements among owners must be clear before moving forward.
Why is a Water Letter so important for land and projects?
In Costa Rica, no Water Letter usually means no legal project. Without it, approvals can halt, and the project’s value can drop dramatically. For that reason, serious development and project loans treat the Water Letter as a non-negotiable document.
Do I need building permits for a pure home equity loan?
No. If you are simply unlocking equity and not building, existing permits are not required. For construction, shovel-ready, and project financing, though, permits move from “nice to have” to “must have” very quickly.
Borrower FAQ – Construction, Project Funding & Process
What documents are required for a construction loan?
Expect to provide: titled land, stamped architectural and structural plans, a detailed budget and schedule, municipal building permit, proof of water and legal access, and any environmental approvals. The more organized you are, the faster a serious lender can say “yes”.
Do I need a formal contractor to get a construction loan?
Practically, yes. Lenders want to know who will build your project, how experienced they are, and how costs will be controlled. “Self-build” projects without professional support can be funded, but they are evaluated more conservatively.
How are construction funds disbursed?
Funds are released in agreed draws based on progress: foundations, structure, roofing, finishes, and so on. Each draw is supported by photos, inspections, or invoices. This prevents all the money going out at once with nothing completed on site.
What is a “draw schedule” and why does it matter?
The draw schedule is the roadmap of when funds will be released. It ties each disbursement to specific milestones so you know what needs to be completed to receive the next tranche. For lenders, it’s a risk tool; for you, it’s a way to keep the project funded and accountable.
What is considered a shovel-ready project?
A shovel-ready project has all the main approvals on the table: land-use permit, environmental viability (where required), Water Letter, CFIA-approved plans, municipal building permit, and INS worker insurance. In other words, the only thing missing is the funding and the actual build.
How long does it usually take to make a project shovel-ready?
Realistically, most developers spend 4 to 12 months obtaining all required permits and studies. Once you reach that point, lenders can move much faster because the big legal and technical risks have already been cleared.
How fast can home equity and commercial loans close?
If your documents are organized and the title is clean, many home equity and commercial loans can be approved and funded in roughly 7–10 business days from the time your file is complete. Complex situations can take longer, but the process is still typically much faster than a bank.
How fast can construction, project, or shovel-ready loans close?
With a well-prepared file and all key permits already issued, funding for construction or shovel-ready projects can often be completed in about 5–10 business days after final approval. Large project financing involving multiple parties may need more time for deeper due diligence and documentation.
Do I need to be in Costa Rica for closing?
No. Many borrowers sign via a properly drafted and legalized power of attorney if they are abroad. The notary ensures the POA is valid and registers the mortgage so you don’t have to fly in just to sign.
What happens at the end of the loan term?
When the term ends, you repay the remaining principal plus any pending interest. Most clients plan to sell, refinance with a bank, or restructure into a new facility. If you want more time, you must request an extension in advance — it’s never automatic.
Lender FAQ – General Model, Security & Loan Types
How does the GAP Investments model work for lenders?
GAP Investments gives you access to USD, fixed-rate, interest-only mortgage loans secured by titled Costa Rican real estate, usually at ≤50% LTV. We source, underwrite, document, and service each transaction so you can focus on allocating capital instead of managing every detail yourself.
How is my investment secured?
Your capital is secured by a first-lien mortgage or guarantee trust registered at the National Registry. Before the loan is recorded, any prior encumbrances that could affect your position are usually paid off or cleared, putting you at the front of the line in an enforcement or sale scenario.
What types of collateral are used?
We work with titled homes, condos, villas, commercial buildings, hotels, warehouses, mixed-use projects, and development land. We avoid untitled holdings and treat legally complex or concession assets with extra caution. The goal is simple: strong, enforceable collateral for every loan.
What interest rates do borrowers usually pay, and what do lenders earn?
Borrower coupons typically fall in the 12%–16% annual range, depending on risk and complexity. Your net yield on a given loan is defined in the opportunity and may include the coupon plus any agreed fees. Returns are never guaranteed, but the structure is built to target attractive, collateral-backed income rather than speculative upside.
What loan terms are most common for lenders?
Most loans run between 6 and 36 months. You receive monthly interest in USD, and principal is repaid at maturity. Construction and project facilities may extend up to about three years, often with staged disbursements that match the project’s real timeline.
Are these loans similar to crowdfunding investments?
No. GAP does not run a public crowdfunding website or retail securities offering. We work directly with qualified private lenders and structure enforceable mortgage documents, not online “tokens” or anonymous crowd positions.
What kinds of home equity loans are attractive for conservative lenders?
Many conservative investors prefer simple home equity loans: clean title, prime or liquid area, ≤50% LTV, and a clear exit via sale or bank refinance. These positions are easy to understand, relatively straightforward to monitor, and can provide steady USD interest with a substantial equity buffer.
How do commercial loan investments differ from home equity loans for lenders?
Commercial loans add a business layer — leases, operating permits, and demand — on top of the collateral. They can justify similar or slightly higher coupons and may offer exposure to hospitality or income-producing assets while still being secured by first-lien real estate.
How does construction lending work from the lender’s side?
In construction deals you fund in stages as value is created. You earn interest on the disbursed balance, while your security grows as the project progresses. A tight draw schedule, mandatory permits, and conservative LTV are critical tools for controlling risk and aligning incentives.
What is project financing and who is it suitable for?
Project financing — often USD $1M+ — is generally for lenders comfortable with more complex documentation, longer horizons, and detailed due diligence. It can provide attractive yields and larger ticket sizes, but belongs in the hands of investors who understand development risk and treat it as a higher-risk, higher-effort slice of a diversified portfolio.
Lender FAQ – Underwriting, Loan-to-Value & Risk Management
What maximum loan-to-value (LTV) does GAP usually use?
Our default ceiling is around 50% of a conservative verified market value, and often less for raw land or complex assets. The idea is that both borrower and lender share the risk — the borrower always has significant equity ahead of you, not behind you.
How is property value determined?
We rely on independent appraisals, registry checks, comparable sales, and local market input. If something looks optimistic, we adjust. We are not in the business of lending against wishful thinking; valuations are purposely conservative to maintain a real margin of safety.
Do you ever exceed 50% LTV?
Only in rare, well-documented cases where there is a strong reason to do so. The standard framework is built around ≤50% precisely so you don’t have to rely on perfection in every assumption to get your capital back.
What due diligence steps are completed before funding?
Depending on the deal, we review title, liens and annotations, corporate authority, zoning, permits and environmental matters, appraisal, site conditions, insurance, and the borrower’s capacity and exit strategy. Larger projects follow a structured, multi-step process so surprises are minimized rather than ignored.
How do you evaluate borrower risk if loans are asset-based?
We start with the asset and LTV, but we don’t stop there. We look at who the borrower is, what they’ve done before, how realistic their plan is, and how they intend to pay you back. Collateral is the safety net; the exit strategy is the path that should ideally be used most of the time.
Are environmental or permit issues deal-breakers?
Unresolved environmental problems, missing key permits, or lack of water are serious red flags. Sometimes they’re curable with time and money; sometimes they’re not. If we can’t see a clean line to legal compliance, we don’t fund, or we limit exposure and structure it as a land-only facility.
What are the main risks lenders should be aware of?
The main risks are borrower default, delays in the exit, legal timelines for enforcement, market softening, and physical or regulatory events that impact the property. Conservative LTV and strong documentation help, but they don’t erase risk. This is a private, illiquid investment — it should be treated as such.
How are deals classified by risk level?
We look at collateral type, LTV, location, permits, sponsor profile, and the credibility of the exit. Core home equity loans in prime locations are generally the most conservative. Raw land in remote areas or multi-phase projects with heavy entitlement risk sit at the other end of the spectrum.
Do you finance raw land for lenders to invest in?
Yes, but with stricter LTV and more emphasis on future use and marketability. Raw land can be attractive when priced correctly, but it can also take longer to monetize. We structure those deals with that reality in mind.
How important is the Water Letter from a lender’s perspective?
Extremely important. A missing or invalid Water Letter can kill a project or freeze development indefinitely. From a lender’s viewpoint, it’s one of the most basic lines of defense against ending up secured by “stuck” dirt with limited legal use.
Lender FAQ – Process, Servicing, Payments & Enforcement
What information do I see before committing to a deal?
You receive a concise deal summary: property details, LTV, rate, term, borrower overview, purpose of funds, exit plan, and key risk points. Larger or more complex loans may also come with a full credit memo and draft deed so you can see exactly what you are stepping into.
Can I visit the property before funding?
Yes. Many lenders prefer to walk the land or see the building themselves, especially for higher-ticket deals. We can coordinate site visits or connect you with local professionals if needed.
Is escrow used at closing?
For larger or multi-party transactions, licensed escrow is common. For smaller, straightforward deals, a notary’s trust account may be used. In every case, funds move according to a closing statement that clearly lists where every dollar goes.
Who collects monthly interest payments?
GAP manages collections in USD, tracks due dates, and follows up on delays. Once payments clear, interest is distributed to lenders based on their participation and the servicing agreement. You’re not chasing borrowers every month — that’s our job.
How are late payments and defaults handled?
If a payment is late, we contact the borrower immediately, apply contractual late fees and default interest, and try to bring the loan current. If they don’t respond or cannot cure within the agreed period, enforcement procedures begin according to the deed or trust.
How long does enforcement typically take in Costa Rica?
Enforcement is measured in months, not days. The exact timeline depends on the process chosen (judicial vs. notarial), court workload, and borrower cooperation. This is another reason the 50% LTV discipline exists — it helps keep deals viable even if you have to wait.
What role does insurance play for lenders?
Insurance is mandatory, with the lender named as beneficiary. We monitor that coverage remains active. In a covered loss, proceeds are used either to repair the asset or reduce the loan balance, depending on the contract and the situation.
Are property taxes and HOA fees monitored too?
Yes. Significant tax or HOA arrears can affect your collateral. If they appear, they’re treated as a serious issue. In some cases, lenders may advance funds to cure critical arrears and roll them into the balance if allowed under the loan agreement.
Can I exit my position before loan maturity?
These are private, illiquid positions, not public bonds. It may be possible to assign or sell your participation with consent and proper documentation, but investors should assume they will hold to maturity when making allocation decisions.
How do I monitor my overall lending portfolio with GAP?
You receive payment confirmations, exception notices, and periodic portfolio updates. On request, we can summarize all active loans, outstanding principal, interest payments received, and upcoming maturities so you always know where your capital stands.
Lender FAQ – Compliance, Tax Considerations & Getting Started
What compliance standards does GAP follow?
We follow standard AML and KYC practices for both borrowers and lenders. That means verifying identity, beneficial ownership, and the legitimate source and destination of funds in every transaction.
Who can invest as a lender with GAP?
We work with private individuals, corporations, and trusts who can complete our onboarding and understand that these are private, secured loans — not guaranteed products. Your jurisdiction, regulatory status, and investment profile help determine the best way to participate.
How are taxes on interest handled for investors?
Tax treatment is entirely dependent on your home country rules and any structures you use. GAP does not provide tax advice. Before investing, you should speak with a tax professional who understands cross-border interest income and foreign secured loans.
Can I invest through a corporation, trust, or retirement entity?
Yes. Many lenders prefer to hold positions through an entity or trust. We’ll request the usual formation documents, good-standing certificates, and proof of signing authority. Whether retirement accounts can be used depends on your local regulations.
How is confidentiality handled?
We share borrower information only to the extent needed for due diligence and servicing. Sensitive data is handled under standard confidentiality practices and stored using secure, access-controlled systems.
Do all loans require escrow accounts?
Not all, but many larger or syndicated deals do. Smaller, simpler transactions may be closed using a notary trust account. Regardless of the mechanism, money moves according to documented closing statements and signed instructions.
How are disputes among co-lenders handled?
Co-lender or trust agreements spell out voting rules, decision thresholds, and dispute processes. This allows the lender group to speak with one voice when approving amendments, extensions, or enforcement actions.
Are loans reported to consumer credit bureaus?
No. These are private mortgages and are not usually reported to consumer credit bureaus. Performance is governed by the legal documents and collateral, not retail credit scoring systems.
What is the minimum investment amount for lenders?
Minimums are deal-dependent but often start around USD $50,000 per loan. Larger projects and syndications may have higher entry points. We discuss suitable opportunities based on your capital, risk tolerance, and diversification goals.
How do I start the onboarding process as a lender?
You can email info@gap.cr with a brief outline of your investment objectives, preferred ticket size, and comfort level with different deal types. We’ll send our onboarding checklist, complete KYC, and then begin sharing first-lien opportunities that align with your profile.
Disclaimer: These FAQs are for informational purposes only and may change as Costa Rican laws, market conditions, and GAP procedures evolve.
They are not a solicitation, guarantee of returns, or substitute for personalized legal, tax, or investment advice.
Always review specific loan documents and consult your own advisors before borrowing or investing.